300-A Castro St
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
21% of that payment is not the mortgage. The HOA fee alone is $24,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,321.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,450). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($407 in 2026), not enough for a trend yet. The listing shows $407/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- 48% below its 2016 peak
- On market 61 days → some leverage
- Low HOA (0.4%/yr)
⚠️ Cons
- 11% above model fair value
🚩 Red flags
- Listed BELOW its 2026 sale ($1875k) → value eroding
Photos
Price history (this unit)
- Aug 11, 2026 — Listed $1,299,000
- May 15, 2026 — Sold (MLS) $1,875,000
- Apr 17, 2026 — Listed $1,850,000
- Jul 19, 2024 — Sold (Public Records) $357,353
- Jan 22, 2016 — Sold (Public Records) $2,400,000
Description
Amazing location in the Castro & Duboce Triangle neighborhood! 300A Castro is a stunning lower flat in a 2 unit building with 3 bedrooms, all with ensuite bathrooms. This condo seamlessly blends Victorian architecture with contemporary living. Landscaped garden and deeded patio offer a private retreat just steps from the city's energy and nearby parks. A shared storage room at the rear of the building includes a designated storage area, plus shared washer and dryer.